Using 2 materials with different UVs on the same mesh
Figured out what I was doing wrong. Rookie Mistake. I was just switching between the two materials in the materials panel using the popup at the bottom, but always leaving only a single material in the list.
I finally realized I needed to add both of the materials in the list and then assign to the specific polys.  Duh.
Thanks to everyone that looked, and to PGmath for responding.